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1. Islamic Banking Provisions: Required if the overdraft facility needs to be Sharia-compliant, including relevant Islamic banking structures

2. Security Arrangements: Required if the overdraft is secured against assets or requires guarantees

3. Foreign Currency Provisions: Required if the facility involves foreign currency transactions

4. Electronic Banking Terms: Required if the facility is accessible through electronic banking channels

5. Insurance Requirements: Required if specific insurance coverage is mandatory for the facility

6. Joint Account Provisions: Required if the overdraft facility is linked to a joint account

7. Corporate Authority Provisions: Required for corporate customers, detailing authorized signatories and approval processes

1. Schedule 1 - Facility Terms Sheet: Detailed commercial terms including facility limit, interest rates, and fees

2. Schedule 2 - Conditions Precedent: List of documents and conditions required before facility activation

3. Schedule 3 - Form of Drawdown Notice: Standard form for requesting drawdowns if applicable

4. Schedule 4 - Security Details: Details of any security or collateral if facility is secured

5. Schedule 5 - Fee Schedule: Comprehensive breakdown of all applicable fees and charges

6. Appendix A - Bank's Standard Terms and Conditions: General banking terms applicable to all facilities

7. Appendix B - Regulatory Disclosures: Mandatory disclosures required by UAE Central Bank regulations